NOVI, Mich. – A Novi woman says she is out more than $8,000 after CURE agreed to pay her for her car that was totaled. Then, they suddenly reversed course, claiming she didn’t disclose that her brother’s girlfriend lived under her roof.
Her story is one of many recently covered by Local 4, uncovering what lawmakers are calling a troubling “gap” in Michigan’s personal injury protection law.
Aisha Moore, of Novi, first got her CURE policy in Nov. 2023.
“She paid her premium every single month and thought she’d be covered if anything ever happened,” Lawrence Kajy, founder of Kajy Law Firm, said.
Moore got into an accident in April 2024. On May 15, CURE declared the car a total loss.
“What usually happens in these situations is that you transfer the title to the insurance company,” Kajy said. “They will then pay the actual cash value of the car.”
Moore transferred the title to CURE.
“CURE then transferred that same title on Aug. 9th, 2024, to an auto parts store in Michigan,” Kajy said.
Then came Oct. 2024.
“CURE rescinds the policy, claiming that my client did not disclose that she was living with another individual on the date of the application,” Kajy said.
The individual CURE was referring to was Moore’s brother’s girlfriend. That’s someone Moore insists did not live with her when she first signed up.
“After numerous requests for payment with CURE, they never paid my client for the car, for the parts they sold, or any of the benefits she’s entitled to,” Kajy said.
Local 4 was able to speak to THE CEO of CURE, Eric Poe. He said he isn’t able to give specific details about Moore’s case because she and her team didn’t consent to it, but Local 4 asked what he could explain.
“She said that she disclosed who lives in her house, who doesn’t live in her house; we have recorded statements that contradict that,” Poe said.
This mirrors other cases Local 4 has been covering. Local 4 pressed for more clarity on why insurance companies care so much about everyone in a household, even children who don’t drive and family members who don’t touch the keys.
“People think they are paying for car insurance to insure their car; the reality is that they are actually being forced to buy health insurance for every resident relative that lives in their house,” Poe said.
He says the answers to questions about household members are used to decide the rates that are appropriate to charge people for car insurance in the state.
For Moore, she says the girlfriend didn’t live with her when she got the policy, so her attorney wants people in the same boat to know it’s not a lost cause.
“There is something you can do about it. Law is over 90% successful on cases where the insurance company denied the claimed and we filed a lawsuit against them and recovered benefits for that client,” Kajy said.
For previous coverage, including information on proposed legislation in response to Local 4’s stories, click here.